Menu

Flood insurance cost · ZIP 39531 · MS

Flood insurance cost in ZIP 39531 (Biloxi, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 696 home policies in force on August 31, 2026.

ZIP code 39531 (Biloxi, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,084a year

Half of insured homes paid between $856 and $1,266. That is 14% less than the Harrison County median ($1,261). Most insured homes here are rated in zone X (56%).

$0$856 · $1,084 · $1,266$1,582
+13.0% vs Aug 31, 2025 (median $959)
696home policies in force
$1,196average cost (mean)
44%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in ZIP code 39531

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$922$566–$1,383$1,12120 (3%)+6.6%
Zone AE
High risk		$1,513$1,076–$1,860$1,719177 (25%)+16.5%
Zone AH
High risk, shallow		$851$695–$977$833106 (15%)+6.2%
Zone X
Moderate to low risk		$1,085$855–$1,262$1,056392 (56%)+10.7%

Not shown (fewer than 10 home policies): A, AO, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in ZIP code 39531, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home589$1,144$1,269
2–4 unit building61$917$913
Condo or apartment unit43$573$642
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		126$2,082$3,145
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		111$2,409$3,934

Not shown (fewer than 10 policies): manufactured (mobile) home.

933NFIP policies in force, any building
1,384insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 39531

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force758696−8.2%
Median annual cost$959$1,084+13.0%
Average annual cost$1,072$1,196+11.6%
All policies in force (any building)1,004933−7.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39531 have filed 749 flood claims. 570 received a payment, for a total of $71.0 million (an average of $124,501 per paid claim). The year with the most claims was 2005 (363 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 10 claims1980: 45 claims, 43 paid, $96,996 in total19801985: 11 claims19901995: 32 claims, 23 paid, $205,377 in total1996: 12 claims, 11 paid, $115,745 in total1998: 71 claims, 34 paid, $355,215 in total199820002001: 16 claims, 12 paid, $114,325 in total2002: 10 claims2005: 363 claims, 298 paid, $65,574,207 in total20052009: 54 claims, 51 paid, $1,646,964 in total200920102012: 12 claims2020: 17 claims, 13 paid, $269,992 in total20202026: 39 claims, 37 paid, $2,068,685 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20263937$2,068,685$55,910
20201713$269,992$20,769
201212<10––
20095451$1,646,964$32,293
2005363298$65,574,207$220,048
200210<10––
20011612$114,325$9,527
19987134$355,215$10,448
19961211$115,745$10,522
19953223$205,377$8,929
198511<10––
19804543$96,996$2,256
197910<10––

From 2016 to 2026: 56 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

NFIP communities in this ZIP code

Biloxi (696 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.